Who hasn't been AA'd at all yet?

[Not_the_Point]

Nothing for me yet, though my two revolving credit cards are both Secure cards. I don't think they can CLD me when I have plunked down cash to have a specific credit limit.

I'm slightly concerned that Sears would CLD me for not using my account as often as they would probably like. On average maybe $15/month and always PIF.

[Anonymous]

Wife called for a replacement GEMB/JCP card that wasn't used in about 5 years.  They hadn't close the account, and just kept reporting as Current every month.  Asked for a CLI at the time, CL went from $224 to $1000.

Message Edited by Mike14 on 11-23-2008 02:53 AM

[ocheosa]

No AA's as of yet - total TL's 14 cc's, 3 store, 1 charge. I currently have 2 cards with BT's all others I rotate usage and PIF. Rec'd the following CLI's recently -

Oct: Chase Disney +10k (hard) and Paypal MC +1.25k (soft) on Paypal MC.

Nov: US Bank +1.5k(soft) and Discover +3k (hard).

Amex revolvers no CLD even with the BT balances on CIti (2 offers: 0% thru Aug 2009 & 3.99 Life) and BOA (0% thru 5/2009). I pay about 5x the min on each card per month. My goal with the BT's was to establish a strong payment history (which is working), Citi card opened 12/07 and BOA 03/08.

Now if you should ask about the state of my 401k - that's another matter....

Good Luck to All as we navigate through this banking mess!